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As of October 11, 2026, Citigroup Inc. (C) trades at $129.64. CleaRank Financial AI rates it Buy with a fair value of $157.00, 21.1% above the current price. Wall Street's consensus target is $157.00 across 22 analysts. RSI at 35 is in neutral territory, and the price is below its 50-day average of $133.63.
Citigroup Inc. (C)
Citigroup Inc. NYSE
$129.64
1.560 (1.22%)
At close: Oct 9, 4:00 PM EDT
AI Analyst Consensus
75 / 100
Citigroup Inc. (C) is currently trading at $129.64, below its 50-day Simple Moving Average (SMA) of $133.63, indicating a near-term bearish technical signal. However, the stock is trading above its 200-day SMA of $126.24, suggesting a longer-term bullish trend remains intact. The company's financial health is supported by a strong profit margin of 21.83% and a low debt-to-equity ratio of 0.04, aligning with sector averages. Analyst sentiment is overwhelmingly positive, with a consensus rating of 'Buy' and a median price target of $157.00, implying an upside of 21.1% from the current price. This positive outlook is further bolstered by strong forward earnings and revenue growth estimates, with next year's revenue projected to grow by 4.00% and EPS by 15.5%. Despite the current technical weakness, the fundamental picture for Citigroup appears constructive. The bank's diversified business model and its position within the financial services sector, which has a median P/E of 16.5, suggest that C is trading at a reasonable valuation given its growth prospects. The company's ability to consistently beat EPS estimates in recent quarters, as evidenced by the quarter to June 2026 results showing a 20.93% surprise, highlights operational efficiency. Key risks include potential regulatory changes within the banking sector and broader macroeconomic headwinds that could impact lending and investment banking activities.
C Price Analysis
Market Metrics
Open
$128.09
Day Range
$127.70 to $129.88
Prev Close
$128.08
Volume
6.51M
52-Week Range
$93.66 to $147.96
Market Cap
$217.46B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Valuation is broadly in line with sector peers (-16% difference), suggesting fair market pricing relative to industry standards.
C Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, C beat estimates 4 times. The stock rose 4 times the next day. Price tends to react positively to beats.
C Analysis
Company's Health
4/5
12-Month Analyst Target
+21.10% Upside
Median of 22 analysts (12-month)
$157.00
AI Technical Analysis
Citigroup Inc. (C) is currently trading below its 50-day SMA of $133.63, signaling a bearish short-term trend, though it remains above its 200-day SMA of $126.24, indicating a longer-term bullish posture. The Relative Strength Index (RSI) is at 34.85, classified as bearish momentum, suggesting potential for a bounce but indicating a lack of buying pressure. The MACD is also in negative territory at -1.71, further reinforcing the current bearish momentum. Key support levels are around the 200-day SMA at $126.24, while resistance is seen at the 50-day SMA at $133.63 and the current price of $129.64. Trading volume has been below average recently, with the latest volume at 6.51 million compared to an average of 8.63 million, suggesting subdued investor interest at current levels. The overall chart structure indicates a stock in a consolidation phase, with a potential for a breakout or breakdown depending on upcoming earnings and broader market sentiment.
ProTips
- Citigroup Inc. (C) is trading below its 50-day SMA, indicating potential short-term weakness. Consider waiting for a confirmation of a trend reversal or a pullback to key support levels before initiating new positions.
- The company's strong profit margins and low debt-to-equity ratio provide a solid financial foundation, but the negative long-term growth projection warrants careful consideration for long-term investors.
- Insider selling activity is a moderate sell signal; monitor future transactions for any signs of increased selling pressure or a shift towards net buying.
Key Catalysts
Bullish
Positive Earnings Surprises
Citigroup Inc. has consistently beaten EPS estimates in recent quarters, demonstrating operational efficiency and resilience, which supports its current 'Buy' rating.
Source: Earnings ReportsBullish
Strong Forward Growth Estimates
Analysts project significant EPS growth for the current and next year, alongside strong revenue growth estimates, indicating positive future performance.
Source: Analyst EstimatesBearish
Insider Net Selling Activity
Insiders have sold $23.6 million worth of stock with no reported purchases, signaling a moderate sell signal and potential caution from management.
Source: Insider TransactionsBearish
Negative Long-Term Growth Projection
The projected average annual growth rate for the next five years is a concerning -57.1%, suggesting potential long-term challenges for the company.
Source: Analyst EstimatesMarket Outlook
Citigroup Inc. (C) is expected to see continued growth, with analysts projecting an average EPS of $11.21 for the current year and $12.95 for the next year, representing significant year-over-year increases. The median analyst price target of $157.00 suggests a 21.1% upside from the current price, indicating a bullish outlook for the next 12 months. The company's strong profit margins and conservative balance sheet provide a stable foundation for achieving these targets. The primary upside catalysts for Citigroup include favorable interest rate environments that boost net interest margins and successful execution of its strategic initiatives to drive efficiency and profitability. Conversely, downside risks involve unexpected economic downturns that could increase loan defaults, heightened regulatory pressures, or a failure to meet ambitious growth targets, particularly given the negative long-term growth estimates. Any significant shift in the Federal Reserve's monetary policy could also impact the bank's performance.
Key Statistics
| Market Cap | 217.46B |
|---|---|
| P/E Ratio | 13.91 |
| EPS (TTM) | 9.26 |
| Dividend Yield | 1.91% |
| 52 Week High | 147.96 |
| 52 Week Low | 93.66 |
Citigroup Inc. (C) presents a compelling valuation with a P/E ratio of 13.91, which is below the sector average of 16.5, and a Price-to-Sales ratio of 2.64, also below the sector median of 3.8. The company's Return on Equity (ROE) stands at 8.53%, slightly below the sector average of 13.8, but its profit margin of 21.83% and operating margin of 36.23% are strong, exceeding sector averages. The company's debt-to-equity ratio is a very low 0.04, indicating a strong balance sheet. Growth efficiency appears strong, with projected revenue growth of 13.00% for the current year and 4.00% for the next year, alongside significant EPS growth estimates. The current valuation does not fully reflect the projected earnings growth, suggesting potential for appreciation. The company's strong profitability and conservative leverage provide a solid foundation for future performance, making the current P/E ratio appear attractive in the context of its growth trajectory and sector comparison.
Earnings & Growth Analysis
Citigroup Inc. (C) has demonstrated a pattern of beating earnings estimates in recent quarters. For the quarter to June 2026, the company reported an EPS of -0.68, which was 20.93% above the estimated -0.86, leading to a 0.84% price increase. This follows a trend of positive surprises, including a 15.87% beat in the prior quarter and a 24.32% beat in the quarter before that. Revenue growth estimates for the next quarter are strong at +16.00%, and for the current year at +13.00%, indicating positive momentum in top-line performance.
Key Risks
Citigroup Inc. faces several key risks, including potential regulatory scrutiny inherent in the diversified financial services sector, which could impact profitability and operational flexibility. Insider selling activity, with $23.6 million in sales versus zero purchases, signals a degree of caution from management, despite the overall 'Buy' consensus from Wall Street. Also, the company's next 5-year average annual growth rate projection of -57.1% is a significant concern, suggesting potential long-term challenges in expanding its business.
Technical Indicators
| RSI (14) | 34.85 |
|---|---|
| MACD | -1.71 |
| SMA 50 | 133.63 |
| SMA 200 | 126.24 |
RSI
Bearish
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($133.63) above the 200-day SMA ($126.24), price is trading below the 50-day SMA.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.69
Moderate correlation
Nasdaq 100 (QQQ)
+0.60
Moderate correlation
Bitcoin (BTC)
+0.22
Weak correlation
Gold (XAU)
+0.08
Weak correlation
Check Custom Correlation
How does any other asset move with C? One year of daily closes, Pearson correlation.
Try
C Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Long entry pick an entry style
Conservative
$127.05
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$129.64
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$123.24
MAX LOSS
-3.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (34.9) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$133.40
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$139.75
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$146.10
+15% (Conservative)
+12.7% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for C is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on October 11, 2026.Growth of $10,000
A $10,000 investment in C in October 2016 would be worth about $26,463 today, compared with about $36,479 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in C today could grow to about $23,081 by 2036 in the base case, with a bull case near $88,976 and a bear case around $5,987. Projections are statistical simulations, not guarantees.
C Stock Price Prediction: 2030
CleaRank's simulation projects a price near $181 for C by 2030 in the base case, from $130 today (1.4x over 4 years). The downside path ends near $77.16. These are outcomes of a Monte Carlo simulation run on C's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $91.99 | $141 | $216 |
| 2028 | $83.81 | $153 | $280 |
| 2029 | $79.57 | $167 | $349 |
| 2030 | $77.16 | $181 | $425 |
| 2031 | $75.85 | $197 | $511 |
| 2032 | $75.29 | $214 | $609 |
| 2033 | $75.28 | $233 | $720 |
| 2034 | $75.71 | $253 | $846 |
| 2035 | $76.51 | $275 | $990 |
| 2036 | $77.62 | $299 | $1,153 |
Method: 10,000 simulated price paths using C's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
People Also Watch
C Insider Trading Analysis
Bought
None
No open-market buys
Sold
$23.6M
11 Transactions
Insiders
30
Active Traders
Avg Transaction
$2.1M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Feb 13, 2026 | CANTU ERNESTO TORRES
Officer
|
Sell | 67.3K | $7.5M |
| Feb 14, 2025 | MASON MARK A.L.
Chief Financial Officer
|
Sell | 58.5K | $4.9M |
| Feb 12, 2026 | HABNER PAMELA
Officer
|
Sell | 29.8K | $3.5M |
| Apr 15, 2026 | SKYLER EDWARD
Officer
|
Sell | 25.0K | $3.3M |
| Feb 14, 2025 | SKYLER EDWARD
Officer
|
Sell | 35.5K | $2.9M |
| Feb 13, 2025 | SELVAKESARI ANAND
Chief Operating Officer
|
Sell | 30.0K | $2.4M |
| Feb 12, 2026 | LUCHETTI GONZALO
Officer
|
Sell | 20.0K | $2.3M |
| Feb 11, 2026 | GARG SUNIL
Officer
|
Sell | 18.0K | $2.1M |
| Oct 19, 2021 | TORRES CANTU ERNESTO
Officer
|
Sell | 27.8K | $2.0M |
| Feb 11, 2026 | GILES NICOLE M.
Officer
|
Sell | 16.8K | $2.0M |
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Frequently Asked Questions
Is Citigroup Inc. stock a buy right now?
Citigroup Inc. (C) is rated a 'Buy' by Wall Street analysts with a median price target of $157.00, suggesting a 21.1% upside from its current price of $129.64. The stock is trading above its 200-day SMA but below its 50-day SMA, indicating mixed technical signals.
What is Citigroup Inc.'s stock price forecast for 2030?
Based on Monte Carlo simulations, Citigroup Inc.'s stock price is projected to be $181.15 in 2030 under a base case scenario, with a downside projection of $77.16 and an upside projection of $425.28. These are statistical outcomes, not guarantees.
What are the recent earnings results for Citigroup Inc.?
Citigroup Inc. recently reported for the quarter to June 2026, with an EPS of -0.68, beating estimates by 20.93% and resulting in a 0.84% stock price increase. The company has a history of positive earnings surprises.
How does Citigroup Inc. compare to its sector averages?
Citigroup Inc. has a P/E ratio of 13.91 and a Price-to-Sales ratio of 2.64, both below the sector medians of 16.5 and 3.8, respectively. Its ROE of 8.53% is below the sector average of 13.8, but its profit margin of 21.83% is strong.
What is the outlook for Citigroup Inc.'s revenue growth?
Citigroup Inc. is expected to see revenue growth of 13.00% for the current year and 4.00% for the next year. Next quarter's revenue is estimated to grow by 16.00%.
Are there any significant insider transactions for Citigroup Inc.?
Insiders at Citigroup Inc. are net sellers, with $443K in total purchases versus $51.4M in total sales in recent filings. This moderate sell signal suggests caution among management.
What are the main risks facing Citigroup Inc.?
Key risks for Citigroup Inc. include potential regulatory changes in the financial services sector, significant insider selling activity, and a concerning long-term growth projection of -57.1% over the next five years.